Merchants State Bank offers a wide variety of financing options for farmers and ranchers. Some of the purposes for which Merchants State Bank provides financing to local producers include the purchase of real estate, the completion of improvements to real estate, annual production financing, and term operating loans for the purchase of farm machinery and livestock.

With over 140 years of combined lending experience, and many of our loan officers coming from farming backgrounds, we have the knowledge to help you find the best lending options available! Merchants State Bank prides itself in quick, local loan decisions and easy to understand documents.

In an effort to provide the best quality financing products to our customers, Merchants State Bank has also teamed up with other entities, such as the South Dakota Department of Agriculture and the U.S.D.A. Farm Service Agency on certain projects. By teaming up with these other entities we have been able to extend the reach of assistance we are able to provide, such as the extension of credit to beginning farmers and ranchers. This is just a brief overview of the financial assistance provided by Merchants State Bank. For more information, contact one of our loan officers today!